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The Ins and Outs of Group Health Insurance

Bio I have been in the Financial Services industry for 27 years. I started in the banking sector in 1991 for Canada Trust in Hamilton later to begin an Insurance career as an agent with Prudential of America in 1995. The majority of my selling career was spent in Hamilton Ontario at one of Canada’s leading brokerages, Dan Lawrie Insurance Brokers Ltd. where I spent 11 years building my practice. I grew a client base to over 2500 as ...
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LSM Broker Jack Bendahan Quoted in Investment Executive on How to Avoid Declines

LSM's Senior Life Insurance Broker Jack Bendahan was quoted in Investment Executive on How to Avoid Declines. Summary From medical conditions to particular lifestyles — there are plenty of reasons why an insurer will decline a client's insurance application. Helping hard-to-insure clients get their policies requires additional work, but as Jack Bendahan, expert in this niche market, points out: It’s rewarding to help people… When you go through all that work and you get them what they ...
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No Medical Life Insurance: Comparing Empire Life’s Guaranteed Issue Plan to other Plans

Introduction It is not alwayseasy to get an apples-to-apples comparison across No Medical Life Insurance Plans. Today we would like to compare Empire Life’s Guaranteed Issue Plan with several other No Medical Life Insurance Plans such as products offered by Edge Benefits and Canada Protection Plan. Our No Medical Life Insurance specialist Richard Parkinson analyses several products available on the market. Breaking Down Empire Life’s Guaranteed Issue Plan Plan ...
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The Power of Disability Insurance

I deal with a plethora of policies in the field, however, I am most often reminded about the power and importance of disability insurance. The most frequent reminder of this message comes from a good friend of mine and one of the best chiropractors I know, Dr. Borys Chambul. Dr. Chambul is a former Olympic athlete, champion disc thrower, and a Canadian record holder. From his experience as an athlete to his career in the medical field, he has extensive knowledge on pain and the potential ...
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What The Financial Experts Own – Samuel Waxman

What type of disability insurance do you own? I own a Professional Series contract that has a 90 day wait period, benefit period to age 65 and as much Future Insurability as I am eligible for. I also make sure to utilize my future insurability options every year I am financially eligible to do so. What ...
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SSQ Financial Group Term Plus Policy

I had the opportunity to recently sit down with Barry Rubin, Director of Business Development at SSQ Financial Group to answer some questions and give us a breakdown of SSQ’s unique Term Insurance offerings. Here is what he had to share with us: What are some some of the features of SSQ Term Plus program Terms are available from 10 to 35 years and are renewable on a 5 year basis rather than the length of the original term. There is an Insurability Benefit feature built in ...
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Are Preferred Life Insurance Rates On Their Way Out?

A notification was recently sent out by Manulife regarding changes to their Healthstyles® program "Consistent with our expanded accelerated underwriting limits, for new coverage issued with a coverage date of November 6, 2018 or later, only Healthstyles 3 and 5 will be available for Family Term, Family Term with Vitality and Business Term for ages 18 to 50 and for amounts up to and including $1,000,000. Note ...
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We’ve Got The Answers: How Can Gratitude Impact Your Life And Business?

grat·i·tude ˈɡradəˌt(y)o͞od/ noun noun: gratitude the quality of being thankful; readiness to show appreciation for and to return kindness. "she expressed her gratitude to the committee for their support" There are many important qualities that impact the way we perceive the world, how we do business, how we interact with others, and coincide with our overall happiness. One of those qualities is ...
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We’ve Got The Answers: Can I Qualify for Life Insurance if my Occupation is Dangerous?

When it comes to getting a life insurance policy, many individuals consider their health as the main or only factor that would affect their ability to qualify and their rates. However, there are various factors that go into determining this. One of the factors that a plethora of people forget about is occupation. While a majority of jobs are not considered dangerous, there are those who put their life on the line ...
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We’ve Got The Answers: How Can Exercise Save Me Money On My Policy?

"It all starts with exercise." Fitness is an integral part of living a healthy, balanced lifestyle. Whether you exercise hours on end a day or partake in a nice, daily stroll, you are doing your physical part to ensure your body is taken care of. A lot of you who know me personally know that I started a fitness blog, FitAfter45, a little while ago. My blog is aimed at helping others find passion in their journey and ...
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